Auto insurance for rideshare Arizona
If you’re using your vehicle to deliver people to and from locations in exchange for money (commonly called rideshare), your normal auto insurance policy will not provide you coverage while you’re working in most cases. To be sure you’re covered; you will need a specialized insurance policy geared towards ridesharing. This insurance policy provides coverage while driving for any Transportation Network Company, such as Uber or Lyft, whenever Uber or Lyft does not cover your auto insurance.
How does rideshare insurance work?
If you’re using an online app and accepting ride requests from passengers for a fee, you’ll want to make sure you, your vehicle, and your passengers are properly insured during the entire process.
How rideshare services cover their drivers:
Turning on the app and waiting for a customer (period 1): Rideshare companies will cover you as soon as you log in to their app, but it’s sometimes for a small amount of liability only. That means you’ll be covered at the state minimum or more for any injuries and damages you cause while the app is active and you’re waiting for a passenger. Both Uber and Lyft offer up to $50,000 for bodily injury liability per person and up to $100,000 for an accident, which is double the minimum liability limits in most states. Additionally, you’re covered up to at least $25,000 in property damage liability.
Accepting a request (period 2): Once you’ve matched with a rider and you’re on your way to pick them up, your coverage normally increases. Depending on your state and rideshare service, you may be covered up to $1 million for uninsured/underinsured motorist coverage as well as an incident in which you’re liable. Comprehensive and collision coverage also kicks in at this point on a Lyft or Uber insurance policy, meaning you’re covered for physical damage to your vehicle from an accident, regardless of fault. The deductible, or the amount of money you’ll pay out of pocket if you file a claim involving damage to your vehicle, is $2,500 through Lyft and $1,000 through Uber.
Transporting your passenger (period 3): Same coverage as period 2. While you’re driving your passenger to their destination, both Lyft and Uber insurance provide liability, uninsured/underinsured motorist, plus comprehensive and collision coverages.
Arizona Rideshare Insurance Companies
progressive rideshare insurance Arizona
Rideshare insurance through Progressive
We offer affordable ridesharing insurance as an add-on to your personal auto policy in most states. In the states where a rideshare endorsement on your personal policy isn’t available, we can help you obtain a commercial policy.
Current Progressive customers
Call us at 520-402-6002 and a licensed professional will let you know if you can add rideshare insurance to your personal auto policy or if you need a commercial policy.
New Progressive customers
Get a car insurance quote online or call us at 520-402-6002 and let us know you’re driving for a rideshare company.
Do you need Rideshare insurance for Uber?
When a rideshare driver is simply using their vehicle for personal use, it is down to their own personal insurance policy to cover any incidents. … Although Uber and Lyft do provide coverage while the app is on and you are driving, you will still need a personal insurance policy.
Personal auto policies in Arizona aren’t designed to extend coverage when transporting passengers for hire. In fact, most personal policies exclude this type of exposure, and many are extending this exclusion to include the time the ride-hailing app is on, but no fare has been accepted
Safeco rideshare insurance Arizona
Safeco RideSharing Coverage Fills in the Gap– and Then Some
Extend your personal auto policy: With Safeco RideSharing Coverage, you get nearly the same coverage during applicable ridesharing activities as you do any other time you drive. Most of the coverage and options you selected for your Safeco auto policy extend to your RideSharing Coverage.
Cover your ridesharing gap for mere cents a day: You’ll likely pay less than $10 a month for Safeco RideSharing Coverage, which is currently available in Arizona, Colorado, Illinois, Indiana, Kansas, Minnesota, Missouri, Oklahoma, Oregon, Tennessee, Utah, Washington, and Wisconsin, and will expand to additional states soon.
Identify which vehicle you use for ridesharing: Your RideSharing Coverage will only apply to the vehicle specified on your policy. If you have other vehicles insured with Safeco, the coverage will not apply to them unless you purchase coverage for each one.
Get around-the-clock claims service: Should you have a claim, you can reach Safeco 24 hours a day, seven days a week by calling 1-800-332-3226. We’re always here to help.
Mercury rideshare insurance Arizona
Mercury’s insurance for Ride-Hailing Drivers
But don’t worry, you have a great option! mercury rideshare insurance can provide the coverage you need, and the best part is that it can cost as little as $0.20 a day! That’s right, you can protect your vehicle, family, and livelihood for as little as a few pennies a day.
Other car insurance companies that provide rideshare insurance Auto-Owners Badger Mutual Bristol West Encompass GAINSCO Hallmark Hartford Kemper | Infinity MetLife Mutual of Enumclaw Nationwide Safeway State Auto Travelers
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Here’s How It Works
The company for which you drive only provides limited insurance coverage during the time your ride-hailing app is on, but have not yet accepted a fare (Period 1). Once you accept a fare or are transporting a fare, you will have coverage under the commercial insurance policy from the company for which you drive.
It is very important to understand, however, that your personal auto insurance policy only provides coverage when your ride-hailing app is off. This means that when your app is on and you’re looking for a fare, you probably aren’t fully covered.